| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BETTER BUSINESS PLANNING3 | 125 WEST ORCHARD ST ITASCA, IL 60143 | BLUECROSS BLUE SHIELD OF ILLINOIS | $33K | $576 | $34K | 4.28% |
| BETTER BUSINESS PLANNING3 | 125 WEST ORCHARD ST ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.00% |
| BETTER BUSINESS PLANNING3 | 125 WEST ORCHARD ST ITASCA, IL 60143 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $2K | $455 | $2K | 15.53% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST FL 4 BOSTON, MA 02110 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $668 | $0 | $668 | 4.53% |
| BETTER BUSINESS PLANNING5 | 125 WEST ORCHARD ST ITASCA, IL 60143 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $0 | $175 | $175 | 1.19% |
| BETTER BUSINESS PLANNING3 | 125 WEST ORCHARD ST ITASCA, IL 60143 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $2K | $345 | $2K | 13.48% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL ST FL 4 BOSTON, MA 02110 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $562 | $0 | $562 | 3.89% |
| BETTER BUSINESS PLANNING5 | 125 WEST ORCHARD ST ITASCA, IL 60143 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $0 | $175 | $175 | 1.21% |
| BETTER BUSINESS PLANNING3 | 125 WEST ORCHARD ST ITASCA, IL 60143 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $1K | $305 | $2K | 13.63% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST FL 4 BOSTON, MA 02110 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $470 | $0 | $470 | 3.85% |
| BETTER BUSINESS PLANNING5 | 125 WEST ORCHARD ST ITASCA, IL 60143 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $0 | $175 | $175 | 1.43% |
| BETTER BUSINESS PLANNING3 | 125 WEST ORCHARD ST ITASCA, IL 60143 | VSP | $572 | $0 | $572 | 5.72% |
| RSC INSURANCE BROKERAGE INC3 | 125 WEST ORCHARD ST ITASCA, IL 60143 | VSP | $134 | $0 | $134 | 1.34% |
| BETTER BUSINESS PLANNING3 | 125 WEST ORCHARD ST ITASCA, IL 60143 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $337 | $43 | $380 | 12.32% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST FL 4 BOSTON, MA 02110 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $125 | $0 | $125 | 4.05% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUE SHIELD OF ILLINOIS | 123 | $782K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 80 | $48K |
| Vision | VSP | 71 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSUARNCE COMPANY | 152 | $3K |
| Short-term disability | UNITED OF OMAHA LIFE INSUARNCE COMPANY | 46 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSUARNCE COMPANY | 38 | $12K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSUARNCE COMPANY | 152 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.